Homeowners Insurance Knowledge

Insurify's insurance experts guide you through the basics of home insurance insurance.

Insurance Reform in Louisiana Sparks Controversy, Expands Oversight

Insurance Reform in Louisiana Sparks Controversy, Expands Oversight

Insurance commissioner opposes new legislation that allows him to block rate increases and require more transparency from home and auto insurers.
By Katie Powers|June 30, 2025
CA Judge Rules State Insurer of Last Resort Can’t Deny Smoke Damage Claims

CA Judge Rules State Insurer of Last Resort Can’t Deny Smoke Damage Claims

California’s wildfires could cost the state’s FAIR Plan far more than originally expected.
By Chris Schafer|June 30, 2025
Survey: 91% of Gen Z Has Homebuying Doubts. Most Young Homeowners Underestimated the Costs

Survey: 91% of Gen Z Has Homebuying Doubts. Most Young Homeowners Underestimated the Costs

Gen Z’s dreams of homeownership are still alive, but many worry they’ll end up with buyer’s remorse after pulling the trigger. Of those who bought a home, nearly 90% were surprised by the cost of expenses like home insurance and property taxes.
By Matt Brannon|June 26, 2025
String of Cyberattacks Against Insurance Industry Could Disrupt Home and Auto Policyholders

String of Cyberattacks Against Insurance Industry Could Disrupt Home and Auto Policyholders

Customers could face delayed claims filing and communication blackouts as a notorious hacker group targets U.S. insurance companies.
By Cassie Sheets|June 18, 2025
California’s Home Insurer of Last Resort Sees 74% Jump in Policy Numbers

California’s Home Insurer of Last Resort Sees 74% Jump in Policy Numbers

With nearly $600 billion at risk, FAIR Plan growth points to ‘a less stable market’ and could push costs even higher for homeowners.
By Katie Powers|June 17, 2025
10 States Facing the Highest Financial Losses from Severe Weather

10 States Facing the Highest Financial Losses from Severe Weather

Natural disasters have driven up insurance costs for homeowners. States like Florida, South Carolina, and North Dakota are among the most financially threatened by severe weather, according to an Insurify analysis of population-adjusted loss data.
By Matt Brannon|June 17, 2025
New Bill Would Allow Louisiana Home Insurers to Block Lawsuits in Exchange for Cheaper Premiums

New Bill Would Allow Louisiana Home Insurers to Block Lawsuits in Exchange for Cheaper Premiums

Proposed legislation would mean cheaper premiums for Louisiana homeowners, but the trade-off could leave unsatisfied policyholders with less recourse.
By Cassie Sheets|June 17, 2025
Erie Insurance: Cyberattack Caused Network Outage

Erie Insurance: Cyberattack Caused Network Outage

Attack locked customers of claims, billing, and online accounts — but did it expose their data, too?
By Chris Schafer|June 13, 2025
Tariffs Could Raise Home Insurance Costs up to 38% Faster

Tariffs Could Raise Home Insurance Costs up to 38% Faster

With tariffs, Insurify projects the average annual cost of homeowners insurance could rise to $3,626 by the end of the year, an 11% increase from the end of 2024.
By Matt Brannon|June 4, 2025
Rising Storm Risks, Insurance Costs Drive Home Values Down and Residents Out, Report Finds

Rising Storm Risks, Insurance Costs Drive Home Values Down and Residents Out, Report Finds

Effects are spreading beyond Florida and into housing markets ‘most people don’t expect,’ Cotality says.
By Evelyn Pimplaskar|June 2, 2025
‘Above-Normal’ Atlantic Hurricane Season Could Cause Surge in Home Insurance Rates

‘Above-Normal’ Atlantic Hurricane Season Could Cause Surge in Home Insurance Rates

Last year, just two storms caused $16 billion in insured losses and more than $113 billion in total damages. Favorable hurricane conditions could again spell disaster in 2025.
By Julia Taliesin|May 28, 2025
End of Energy-Efficient Home Improvement Credits Moves Closer to Reality

End of Energy-Efficient Home Improvement Credits Moves Closer to Reality

Senate passage of policy bill would end popular multibillion-dollar residential tax credits.
By Evelyn Pimplaskar|May 23, 2025
$10K Tax Credit May Be on the Way for Louisiana Homeowners Who Stormproof Their Roofs

$10K Tax Credit May Be on the Way for Louisiana Homeowners Who Stormproof Their Roofs

A new bill could help Louisiana homeowners fortify their homes against hurricane damage and combat the state’s insurance crisis.
By Cassie Sheets|May 21, 2025
State Farm Seeks Another 11% Hike for California Homeowners Insurance

State Farm Seeks Another 11% Hike for California Homeowners Insurance

Insurer updated its previous rate request just days after winning OK for a 17% rate increase.
By Chris Schafer|May 21, 2025
4 More Insurers Join Florida’s Home Insurance Market

4 More Insurers Join Florida’s Home Insurance Market

State’s homeowners insurance rates fell 3% in 2024 but are still highest in the nation.
By Sara Getman|May 16, 2025
State Farm OK to Hike Home Insurance Rates 17% in California

State Farm OK to Hike Home Insurance Rates 17% in California

Insurance Commissioner Lara approves the judge-sanctioned decision, for now.
By Sara Getman|May 16, 2025
6 Top Home Insurance Tips From Reddit Users

6 Top Home Insurance Tips From Reddit Users

Reddit users have many helpful home insurance tips to keep in mind, including comparing coverage options, bundling coverage, and choosing a high deductible.
By Danny Smith|May 15, 2025
Does Homeowners Insurance Cover Roof Damage?

Does Homeowners Insurance Cover Roof Damage?

A home insurance policy can pay to repair or replace your roof if a fire, ice storm, vandalism, or other covered peril damages it.
By Jessica Martel|May 7, 2025